JOIN US
ActiveJOIN US has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €728k and a net result of €49k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 66% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+14
Solvency85▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 1.78 in 2024; short-term debt: 39.4% and cash: 6.3% of total assets), and 39.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
60.2%
Return on assets
4.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
41 d late
2024
68 d late
2023
76 d late
2022
70 d late
2021
73 d late
2020
39 d late
2019
42 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€728k▲ 7.3%
2024 · €678k
2018: €362k
2019: €356k
2020: €380k
2021: €510k
2022: €574k
2023: €642k
2024: €678k
2018 → 2025
Total assets
€1.21M▼ 8.0%
2024 · €1.31M
2018: €824k
2019: €742k
2020: €774k
2021: €881k
2022: €1.12M
2023: €1.09M
2024: €1.31M
2018 → 2025
Net result
€49k▲ 35.2%
2024 · €36k
2018: €1k
2019: €18k
2020: €24k
2021: €130k
2022: €64k
2023: €68k
2024: €36k
2018 → 2025
Working capital
€541k▲ 12.9%
2024 · €480k
2018: €237k
2019: €228k
2020: €314k
2021: €401k
2022: €420k
2023: €448k
2024: €480k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€510k-€574k▲ 12.5%€642k▲ 11.8%€678k▲ 5.7%€728k▲ 7.3%
Operating result€213k-€107k▼ 49.6%€126k▲ 18.0%€88k▼ 30.6%€100k▲ 13.5%
Net result€130k-€64k▼ 50.9%€68k▲ 6.1%€36k▼ 46.4%€49k▲ 35.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.21M
Fixed assets
€191k▼ 13.6%
Current assets
€1.02M▼ 6.9%
Equity and liabilities €1.21M
Equity
€728k▲ 7.3%
Debt
€481k▼ 24.3%
The debt ratio falls from 48.4% to 39.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€136k▲
2024 · €122k
Cash flow
€86k▲
2024 · €71k
Solvency
60.2%▲
2024 · 51.6%
Current ratio
2.14▲
2024 · 1.78
Quick ratio
1.16▲
2024 · 1.00
Debt / equity
0.66▼
2024 · 0.94
ROE
6.8%▲
2024 · 5.4%
ROA
4.1%▲
2024 · 2.8%
Interest coverage
5.01▲
2024 · 3.54
Debt
€481k▼
2024 · €635k
Debt ≤ 1 year
€476k▼
2024 · €613k
Debt > 1 year
€0▼
2024 · €11k
Income taxes
€25k▲
2024 · €18k
Staff costs
€44k▲
2024 · €42k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.31M€1.21M▼
Fixed assets21/28€221k€191k▼
Tangible fixed assets22/27€221k€191k▼
Land and buildings22€102k€102k=
Plant, machinery and equipment23€60k€45k▼
Furniture and vehicles24€60k€45k▼
Current assets29/58€1.09M€1.02M▼
Amounts receivable after more than one year29€4k€19k▲
Other amounts receivable291€4k€19k▲
Stocks and contracts in progress3€481k€465k▼
Stocks30/36€481k€465k▼
Amounts receivable within one year40/41€393k€458k▲
Trade receivables40€353k€428k▲
Other amounts receivable41€40k€30k▼
Cash at bank and in hand54/58€205k€76k▼
Deferred charges and accrued income490/1€9k€157▼
Equity and liabilities
Total equity and liabilities10/49€1.31M€1.21M▼
Equity10/15€678k€728k▲
Contributions10/11€150k€150k=
Reserves13€528k€578k▲
Distributable reserves133€528k€578k▲
Amounts payable17/49€635k€481k▼
Amounts payable after more than one year17€11k€0▼
Financial debts170/4€11k€0▼
Amounts payable within one year42/48€613k€476k▼
Current portion of amounts payable after more than one year42€27k€11k▼
Financial debts43€234k€215k▼
Credit institutions430/8€234k€215k▼
Trade debts44€329k€207k▼
Suppliers440/4€329k€207k▼
Taxes, remuneration and social security45€23k€43k▲
Taxes450/3€18k€33k▲
Remuneration and social security454/9€5k€10k▲
Accrued charges and deferred income492/3€11k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€42k€44k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€36k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-4k€0▲
Other operating charges640/8€5k€7k▲
Non-recurring operating charges66A€12k€0▼
Gross operating margin9900€177k€187k▲
Operating profit (loss)9901€88k€100k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€35k€27k▼
Recurring financial charges65€35k€27k▼
Profit (loss) for the period before taxes9903€54k€74k▲
Income taxes67/77€18k€25k▲
Profit (loss) for the period9904€36k€49k▲
Profit (loss) for the period to be appropriated9905€36k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€49k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€36k€49k▲
To other reserves6921€36k€49k▲
Social balance
Average headcount (FTE)90870.50.5=
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 41 days late
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 68 days late
2024
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 76 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 70 days late
2022
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 73 days late
2021
31-12
Financial
Highest result since 2018net €130k ▲442%
Operating result €213k, net result €130k, both a record.
31-12
Financial
Equity above €500kEq €510k ▲34.3%
4 profitable years in a row build equity to €510k.
08-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 39 days late
2020
11-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 42 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Oosterzele · 1 establishment unit since 1995
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Korte Ambachtstraat 109860 OosterzeleGround area
2,262 m²
Building footprint
839 m²
Volume, LiDAR
4,684 m³
2 parcels, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOIN US
since 19952.070.091.846
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44052A0393/00F000 | Flanders | 1,424 m² | 1 · 632 m² | 7.2 m · 2 fl. |
| 44038A0242/00A000 | Flanders | 838 m² | 1 · 208 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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MAJEREL
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ALL-MR
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ALEJA
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D. DE DYCKER
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Of 732 companies in sector 46820 we hold annual accounts for 388. 281 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-1995
Fiscal year end31-12
Activities, NACEBEL
46820Wholesale trade
74122
46649Wholesale of other machinery and equipment
47279Other retail sale of food
47299Retail trade
47521Retail sale of hardware, building materials, paint and glass (general range)
51872
52272
52461
69201Certified accountants and tax accountants
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.